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A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
The Financial Conduct Authority does not regulate most forms of buy to let mortgage.
If you are looking to get on the property ladder you might be put off by the commonly held belief that getting a mortgage when you’re self-employed is much harder than for those in regular employment. Being self-employed does not make mortgage lenders any less likely to approve your application. You may however have to […]
Typically, people re-mortgage in order to take advantage of better rates when they reach the end of a fixed-rate mortgage term, which typically lasts between two and five years. If the fixed rate period ends without them putting a new plan in place they will usually be moved to a Standard Variable Rate (SVR), which […]
There are several factors that determine the cost of life insurance, but generally, the younger and healthier you are when you buy a policy, the cheaper it will be unless there is some other lifestyle factor that means your policy will be more expensive. You may not be thinking about it in your 20s, but […]
Mortgage Protection Insurance, or Accident, Sickness & Unemployment (ASU) insurance are policies that cover specific payments. Whether you need one of these or more general life insurance depends on what you need the pay outs to cover. All types of insurance are optional, but you may want to consider the impact of your death, or […]
Now that we are in the final quarter of the year many of us start thinking about 2020 and beyond. The buy to let market will always be appealing to investors but is now the time to enter the market, expand your portfolio or should you be thinking about an exit strategy? If you are […]
Life expectancy has risen in the UK, and much of the developed world, to the mid-eighties. Couple that with advances in what medicine can achieve and previously life limiting conditions are now manageable, sometimes for many years. This means that life insurers have had to review their view on how they approach conditions that they […]
